First Busey Corporation (BUSE) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.42
↑+55% vs avg
5yr avg: 8.68
30Y Low3.0·High17.2
P/FCF
↑
14.03
↑+50% vs avg
5yr avg: 9.39
30Y Low3.5·High59.7
P/B Ratio
↓
1.03
-3% vs avg
5yr avg: 1.06
30Y Low0.5·High3.8
ROE
↓
7.0%
↑-23% vs avg
5yr avg: 9.1%
30Y Low-83%·High17%
Debt/EBITDA
↓
2.39
↓-27% vs avg
5yr avg: 3.28
30Y Low0.9·High8.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BUSE Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
First Busey Corporation trades at 19.4x earnings, 55% above its 5-year average of 12.5x, sitting at the 79th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 42%. On a free-cash-flow basis, the stock trades at 14.0x P/FCF, 50% above the 5-year average of 9.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.4B | $2.1B | $1.4B | $1.4B | $1.4B | $1.5B | $1.2B | $1.5B | $1.2B | $1.3B | $1.1B |
| Enterprise Value | $2.7B | $2.4B | $1.1B | $1.2B | $2.1B | $1.3B | $979M | $1.5B | $1.4B | $1.7B | $1.3B |
| P/E Ratio → | 19.40 | 16.18 | 11.90 | 11.39 | 10.79 | 12.33 | 11.78 | 14.71 | 12.21 | 20.65 | 21.99 |
| P/S Ratio | 2.34 | 2.03 | 2.05 | 2.32 | 2.85 | 3.52 | 2.66 | 3.21 | 3.21 | 4.18 | 4.54 |
| P/B Ratio | 1.03 | 0.86 | 0.98 | 1.10 | 1.21 | 1.15 | 0.93 | 1.24 | 1.21 | 1.38 | 1.83 |
| P/FCF | 14.03 | 12.20 | 7.89 | 8.52 | 8.63 | 9.68 | 7.43 | 20.19 | 6.33 | 5.42 | — |
| P/OCF | 12.66 | 11.01 | 7.61 | 8.05 | 8.37 | 9.38 | 7.24 | 17.17 | 5.96 | 5.10 | — |
P/E links to full P/E history page with 30-year chart
BUSE EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
First Busey Corporation's enterprise value stands at 13.4x EBITDA, 55% above its 5-year average of 8.7x. The Financial Services sector median is 11.4x, placing the stock at a 18% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.33 | 1.70 | 2.00 | 4.27 | 3.06 | 2.20 | 3.10 | 3.65 | 5.48 | 5.58 |
| EV / EBITDA | 13.42 | 11.87 | 6.49 | 6.80 | 11.09 | 7.14 | 6.27 | 9.23 | 9.10 | 13.71 | 15.18 |
| EV / EBIT | 14.72 | 13.02 | 7.36 | 7.80 | 12.85 | 8.43 | 7.64 | 10.89 | 10.25 | 15.66 | 17.51 |
| EV / FCF | — | 13.98 | 6.56 | 7.33 | 12.92 | 8.42 | 6.16 | 19.50 | 7.19 | 7.10 | — |
BUSE Profitability
Margins and return-on-capital ratios measuring operating efficiency
First Busey Corporation earns an operating margin of 17.9%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 25.6% to 17.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.0% is modest, trailing the sector median of 9.0%. ROIC of 5.8% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.9% | 63.9% | 68.4% | 73.0% | 91.5% | 97.0% | 81.5% | 83.2% | 87.0% | 91.5% | 93.4% |
| Operating Margin | 17.9% | 17.9% | 23.1% | 25.6% | 33.2% | 36.3% | 28.8% | 28.4% | 35.6% | 35.0% | 31.8% |
| Net Profit Margin | 13.0% | 13.0% | 17.2% | 20.4% | 26.4% | 28.6% | 22.6% | 21.8% | 26.3% | 20.3% | 20.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.0% | 7.0% | 8.6% | 10.1% | 10.4% | 9.5% | 8.1% | 9.3% | 10.3% | 8.2% | 10.3% |
| ROA | 0.9% | 0.9% | 0.9% | 1.0% | 1.0% | 1.1% | 1.0% | 1.2% | 1.3% | 0.9% | 1.1% |
| ROIC | 5.8% | 5.8% | 6.3% | 6.0% | 6.0% | 6.3% | 5.6% | 6.5% | 6.5% | 6.0% | 6.8% |
| ROCE | 2.3% | 2.3% | 8.3% | 8.9% | 9.3% | 9.0% | 7.9% | 9.4% | 10.8% | 10.8% | 11.5% |
BUSE Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
First Busey Corporation carries a Debt/EBITDA ratio of 2.4x, which is manageable (44% below the sector average of 4.3x). Net debt stands at $309M ($490M total debt minus $181M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.20 | 0.20 | 0.34 | 0.41 | 0.80 | 0.48 | 0.38 | 0.39 | 0.41 | 0.80 | 0.70 |
| Debt / EBITDA | 2.39 | 2.39 | 2.70 | 2.96 | 4.90 | 3.45 | 3.11 | 3.01 | 2.69 | 6.07 | 4.71 |
| Net Debt / Equity | — | 0.13 | -0.17 | -0.15 | 0.60 | -0.15 | -0.16 | -0.04 | 0.17 | 0.43 | 0.42 |
| Net Debt / EBITDA | 1.51 | 1.51 | -1.31 | -1.11 | 3.69 | -1.07 | -1.30 | -0.33 | 1.10 | 3.26 | 2.82 |
| Debt / FCF | — | 1.78 | -1.33 | -1.20 | 4.29 | -1.26 | -1.27 | -0.69 | 0.87 | 1.69 | — |
| Interest Coverage | 0.58 | 0.58 | 0.76 | 0.96 | 4.43 | 5.58 | 2.94 | 1.95 | 3.00 | 5.16 | 7.47 |
BUSE Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.07x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.27x to 0.07x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.07 | 0.07 | 0.19 | 0.27 | 0.25 | 0.44 | 0.33 | 0.27 | 0.15 | 0.19 | 0.20 |
| Quick Ratio | 0.07 | 0.07 | 0.19 | 0.27 | 0.25 | 0.44 | 0.33 | 0.27 | 0.15 | 0.19 | 0.20 |
| Cash Ratio | 0.05 | 0.05 | 0.07 | 0.07 | 0.02 | 0.08 | 0.08 | 0.07 | 0.04 | 0.05 | 0.04 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BUSE Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
First Busey Corporation returns 6.4% to shareholders annually — split between a 3.6% dividend yield and 2.9% buyback yield. A payout ratio of 67.3% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.6% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 67.3% | 67.3% | 47.6% | 43.3% | 39.6% | 41.1% | 47.8% | 43.9% | 39.4% | 49.0% | 45.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 6.2% | 8.4% | 8.8% | 9.3% | 8.1% | 8.5% | 6.8% | 8.2% | 4.8% | 4.5% |
| FCF Yield | 7.1% | 8.2% | 12.7% | 11.7% | 11.6% | 10.3% | 13.5% | 5.0% | 15.8% | 18.5% | — |
| Buyback Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $89M | $58M | $56M | $56M | $56M | $55M | $55M | $49M | $43M | $35M |
Peer Comparison
Compare BUSE with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BUSEYou | $2B | 19.4 | 13.4 | 14.0 | 63.9% | 17.9% | 7.0% | 5.8% | 2.4 |
 MBWM | $932M | 9.9 | 12.1 | 83.2 | 64.0% | 27.5% | 13.6% | 5.5% | 7.8 |
 FULT | $4B | 11.1 | 10.3 | 15.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 FFIN | $5B | 18.7 | 11.5 | 15.5 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 WTFC | $11B | 13.5 | 12.0 | 12.2 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 HBAN | $27B | 12.3 | 16.3 | 11.8 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 CBSH | $8B | 13.5 | 13.4 | 13.7 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 BOKF | $8B | 14.5 | 13.9 | 14.0 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 IBCP | $704M | 10.5 | 9.5 | 10.0 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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BUSE — Frequently Asked Questions
Quick answers to the most common questions about buying BUSE stock.
What is First Busey Corporation's P/E ratio?
First Busey Corporation's current P/E ratio is 19.4x. The historical average is 17.2x. This places it at the 79th percentile of its historical range.
What is First Busey Corporation's EV/EBITDA?
First Busey Corporation's current EV/EBITDA is 13.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
What is First Busey Corporation's ROE?
First Busey Corporation's return on equity (ROE) is 7.0%. The historical average is 7.3%.
Is BUSE stock overvalued?
Based on historical data, First Busey Corporation is trading at a P/E of 19.4x. This is at the 79th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is First Busey Corporation's dividend yield?
First Busey Corporation's current dividend yield is 3.58% with a payout ratio of 67.3%.
What are First Busey Corporation's profit margins?
First Busey Corporation has 63.9% gross margin and 17.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does First Busey Corporation have?
First Busey Corporation's Debt/EBITDA ratio is 2.4x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.